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Insurance Basics
Independent Agent / Broker
Also known as: independent broker
An insurance professional who represents multiple carriers and shops your profile across them, rather than selling for a single company.
Independent agents (sometimes called brokers in commercial contexts) represent multiple insurance carriers and compare quotes across them for each client. This is the opposite of a captive agent, who works for one company (Allstate, State Farm, etc.) and can only sell that company's products. Riskara is independent — we shop across dozens of A-rated carriers to find the best fit for each client.
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